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Best Affordable Health Insurance in Indiana?

My fiance is currently making about $1200 cooking full-time at a restaurant. Our rent eats up a little more than half of that. He needs to find an affordable insurance plan and he's tried at work but we've heard it's not a very good value for the $200 he'd be paying a month for it. Can anyone suggest some affordable health insurance plans? He's reasonably healthy, does not have any pre-existing conditions, but he does smoke.

Public Comments

1. What do YOU consider affordable??? You are aware that "affordable" will mean VERY low coverage and high deductibles....right???
2. "Affordable" insurance would cost you more than regular insurance. "Affordable" means that the insurance is available because of a government program to make insurance available at a price that is determined by your income instead of by your health. For someone making $1200 per month, "affordable" insurance would cost more than regular insurance costs for someone who is reasonably healthy. Some health insurance options in Indiana are: Anthem BlueCross BlueShield UnitedHealthOne Celtic HumanaOne None of these is officially called "affordable". You would have to pay a lot more money to get "affordable" insurance.
3. His best source, is a local, independent agent. I'm not sure what exactly he's looking at, as far as determining "value", but if he's 20 and perfectly healthy, no preexisting conditions, $200 should be able to buy him into an HMO with a $250 or $500 deductible. If he's 40, though, then $200 with no preexisting conditions, if he's not overweight, he'd need to be taking on a substantial deductible - $3,000 a year, at least. Or maybe he thinks he should get dental and vision for that $200 a month - those are separate policies, and rarely pay out more than they cost. But since "do it yourself" insurance clearly isn't working for him, he needs to use a local broker, who can explain how it works, and help him balance cost and coverages.
4. Health insurance covers you while you're at home or at work.